More and more restrictions and limits and all things to make you yourself harder to use your own money but banks use your money to make profit you get nothing of this and top on that you Pay them fees.
It's like they gamble with your money and you even pay the. Fees for that.
Banks, imagine you have friend who is gambler you give him to hold money and you pay him fee to hold lol too.
Every business is out there to make profit, the bank is not an exception to this, putting money in the bank and allowing it to be there is making the bank rich and making the person poor, this is because as the day goes by due to inflation and time value of money, your money is loosing its value. Hence investing your money in a more profitable and genuine business is more preferable, another factor to consider when you put money into the bank is that, incase of bank liquidation the depositor is most likely not to get all his fund back rather a certain proportion.